Free to use · No bank connection required

Stop guessing what's
safe to pay off.

You have money in your account — but bills are coming and you don't know how much is safe to use. ClearPath calculates your exact deployable surplus in real time so you can kill debt faster.

app.whatsmysurplus.com
ClearPath dashboard
🛡️ Emergency floor built in
Updates in real time
🤖 AI-powered payoff advisor
📄 Import bills from bank statements
🔒 No bank login required
The problem

You have money.
You just don't know
if it's safe to use.

Most people carrying debt aren't broke — they're paralyzed. The uncertainty of upcoming bills keeps them from acting. That inaction is costing them thousands in interest every year.

😰
The paralysis
You see $2,000 in your account but rent, utilities, and your car payment are all coming. You don't know what's actually yours — so you do nothing.
📉
The compounding cost
Credit card interest accrues daily. Every day you wait to pay — even $200 — is money out of your pocket. Waiting until the end of the month is expensive.
📊
Budget apps don't help
They tell you what happened last month. You need to know what's safe right now. There's a big difference between a rearview mirror and a GPS.
How it works

Three steps to your
deployable surplus

No bank connection. No complicated setup. Just your real numbers working for you.

1
Enter your balance
Open your bank app, check your balance, type it in. Takes 10 seconds. This is your starting point — everything flows from here.
2
Add your bills & debts
Enter your fixed bills with due dates, monthly spending categories, and your debts. Or upload a bank statement and we'll find your recurring bills automatically.
3
Deploy your surplus
ClearPath calculates exactly what's safe to throw at debt right now — after bills, spending, and a safety cushion are all reserved. Send it to your #1 debt.
Features

Built for one purpose:
eliminating debt faster.

Debt Priority Queue

Rank your debts in order. Your surplus automatically routes to #1. Drag to reorder — ClearPath tells you exactly how much extra to send and where.

🤖
AI Financial Advisor

Your advisor sees your live data. Ask it: when will I be debt free? How much interest will I save? Which debt costs me most? Real numbers, real plan.

📄
Bank Statement Import

Upload a PDF bank statement and ClearPath's AI scans it, finds your recurring bills automatically, and adds them for you. Setup in minutes.

📅
Smart Bill Tracking

Bills sorted by due date. Mark them paid and they fade off the list and reset to next month automatically. Always know what's coming.

Safety nets

The surplus number is real.
We made sure of it.

ClearPath doesn't just subtract your bills. Every layer below is baked into the calculation before it tells you a number.

🛡️
Emergency Floor
Set a dollar amount that's never touched. $500 floor means ClearPath only recommends deploying what's above it. Your cushion is always protected.
📊
Bill Spike Buffer
A percentage you set pads your bills before calculating surplus. When your electric bill runs higher than average, the buffer already absorbed it.
📅
Pre-Payday Protection
Only bills due before your next paycheck are deducted — not all monthly bills at once. So you can deploy more when you've just been paid.
💸
Daily Spend Reserve
Your monthly spending is converted to a daily rate and reserved until payday. You're never left with zero for groceries and gas.
One-Time Expenses
Add upcoming known expenses — car registration, dentist — and they're removed from surplus until the date passes. No surprises.
Paid Bill Logic
Mark a bill paid and it's instantly removed from the surplus deduction. No double-counting. The engine always reflects reality.
Stay in the loop

Bank sync is coming.
Be first in line.

Automatic transaction sync, surplus alerts, and Pro features — dropping soon.

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Ready to see your
real surplus?

Free to use. No bank connection. Takes 5 minutes to set up. Start clearing debt today.